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From Daunting to Do-able

From Daunting to Do-able

Being in business for yourself is both daunting and exhilarating.  It is daunting, in large measure, because you are in a learning stage where you don’t know what you don’t know.  Your self-talk is often “I’ve never done this before and I’m unsure how to proceed”.  ...
Eeny, Meeny, Miny, Moe.  Where for Mortgage do I go?

Eeny, Meeny, Miny, Moe. Where for Mortgage do I go?

I’m biased but I also happen to like choices.  As a consequence, I feel that the following article is pertinent for those contemplating their next mortgage. Mortgage brokers vs. banks: the pros and cons, By Tracy Hanes ~ Special to the Star I will also add that...
How to Reduce Mortgage Interest Cost

How to Reduce Mortgage Interest Cost

ManuLife offers a mortgage product within their ManuLife One product that is worth considering.  Here is a perspective offered by Rob Carrick of the Globe and Mail This might be the most useful savings account in Canada   Your first reaction might be one of...
Is The Debt Clock Ticking?

Is The Debt Clock Ticking?

The following is a sobering (perhaps frightening) outcome from a recent survey 1/3 of Canadians fear bankruptcy amid ‘debt trap’ warning: Survey However, rather than taking a ‘the sky is falling approach’, I’d like to suggest that we have...
A Little Knowledge is Helpful

A Little Knowledge is Helpful

The following piece from Global News is a nice summary of the implications of the new mortgage stress test. Could you pass the mortgage stress test? Here’s how to find out   It is worth pointing out that the accepted GDS and TDS ratios vary based upon a...

Buyer Beware of Banks

I must say that the referenced article from the Globe & Mail seems like a breath of fresh air. https://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/the-big-six-banks-will-fleece-you-if-you-let-them/article38312949/t In the world of...

Buyer Beware of Banks

I must say that the referenced article from the Globe & Mail seems like a breath of fresh air. https://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/the-big-six-banks-will-fleece-you-if-you-let-them/article38312949/t In the world of...

The Times Are A Changin’

Once upon a time, the debt service levels that are used to determine the amount of mortgage money that we can borrow were lower than they are today. The new mortgage stress test that was recently implemented looks like it takes us back in the direction that...

Are women wired for investing success?

https://www.theglobeandmail.com/globe-investor/globe-advisor/are-women-wired-for-investing-success/article37383241/ Broadly, women are more sensitive to the complexities of financial planning, and men are more interested in the performance of specific...

5 things to watch in Canada

http://www.cbc.ca/news/business/real-estate-trends-1.4460775 Real estate was a big topic in the business world in 2017, and with some major changes on the horizon, the subject is likely to dominate headlines again this year. Here are five things to watch in Canadian...